Can I start using the Debit Card once I receive it? To start you will need the PIN code. Website: Daily basis > Cards > More Operations > Activate Card. App: On the main screen there will be a notification. Click it and follow the steps. You'll receive the PIN code through SMS on the phone number associated with your Account. Before you make the first payment with your Card, go to the ATM and consult your balance or movements to activate the Card.